A New Way to Build Credit
Low credit or no credit, start improving your credit score by 30 points^ on average with regular, on-time payments using the Secured Chime Credit Builder Visa® Credit Card.
1. Direct Deposit: Move your Credit Builder secured account to get started.
2. Use your card: Spend up to the amount you’ve moved on everyday purchases like gas and groceries.
3. Pay your balance: The money you’ve already moved to Credit Builder can be used to pay off your monthly balance on time.
4. Help build credit: We report your on-time payments to all 3 credit bureaus to help you build credit over time.
Take the first step and join the millions of members already using Credit Builder.
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PO Box 4668 #85919 New York, NY 10163-4668
Chime is a financial technology company, not a bank. The Chime Credit Builder Visa® Card is issued by Stride Bank, N.A. pursuant to a license from Visa U.S.A. Inc. and may be used everywhere Visa credit cards are accepted
To apply for Credit Builder, you must have received a single qualifying direct deposit of $200 or more to your Checking Account. The qualifying direct deposit must be from your employer, payroll provider, gig economy payer, or benefits payer by Automated Clearing House (ACH) deposit OR Original Credit Transaction (OCT). Bank ACH transfers, Pay Anyone transfers, verification or trial deposits from financial institutions, peer to peer transfers from services such as PayPal, Cash App, or Venmo, mobile check deposits, cash loads or deposits, one-time direct deposits, such as tax refunds and other similar transactions, and any deposit to which Chime deems to not be a qualifying direct deposit are not qualifying direct deposits.
^Based on a representative study conducted by Experian®, members who made their first purchase with Credit Builder between June 2020 and October 2020 observed an average FICO® Score 8 increase of 30 points after approximately 8 months. On-time payment history can have a positive impact on your credit score. Late payment may negatively impact your credit score. Results may vary
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